Investors Title Company Fundamental Analysis (NASDAQ: ITIC)
Investors Title Company Fundamental Analysis (NASDAQ: ITIC)
Investors Title Company (NASDAQ: ITIC) shows moderate financial fundamentals with a PE ratio of 14.06, profit margin of 13.59%, and ROE of 14.03%. The company generates $0.3B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 86.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze ITIC's fundamental strength across five key dimensions:
Efficiency Score
ExcellentITIC demonstrates superior asset utilization.
Valuation Score
ExcellentITIC trades at attractive valuation levels.
Growth Score
ModerateITIC shows steady but slowing expansion.
Financial Health Score
ExcellentITIC maintains a strong and stable balance sheet.
Profitability Score
WeakITIC struggles to sustain strong margins.
Key Financial Metrics
Is ITIC Expensive or Cheap?
P/E Ratio
ITIC trades at 14.06 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ITIC's PEG of 0.50 indicates potential undervaluation.
Price to Book
The market values Investors Title Company at 1.96 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 10.09 times EBITDA. This signals the market has high growth expectations.
How Well Does ITIC Make Money?
Net Profit Margin
For every $100 in sales, Investors Title Company keeps $13.59 as profit after all expenses.
Operating Margin
Core operations generate 17.21 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.03 in profit for every $100 of shareholder equity.
ROA
Investors Title Company generates $10.53 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Investors Title Company produces operating cash flow of $32.64M, showing steady but balanced cash generation.
Free Cash Flow
Investors Title Company produces free cash flow of $27.36M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $14.49 in free cash annually.
FCF Yield
ITIC converts 5.13% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.06
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.50
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.96
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.91
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.53
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.11
vs 25 benchmark
ROCE
Return on capital employed
0.15
vs 25 benchmark
How ITIC Stacks Against Its Sector Peers
| Metric | ITIC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.06 | 21.06 | Better (Cheaper) |
| ROE | 14.03% | 651.00% | Weak |
| Net Margin | 13.59% | -599.00% (disorted) | Strong |
| Debt/Equity | 0.03 | 0.88 | Strong (Low Leverage) |
| Current Ratio | 3.53 | 887.27 | Strong Liquidity |
| ROA | 10.53% | 6570.00% | Weak |
ITIC outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Investors Title Company's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical